Then set up an appointment with the Attorney. In many cases, the first consultation is free. If it isn’t free, it will often go towards the filing and preparation fees for the bankruptcy anyway. This of course can vary depending on your location.

The first appointment with the attorney is usually a general discussion of your assets and liabilities and a discussion of what kind of bankruptcy, if any, is right for you. Some attorneys will want you to come prepared with documents or forms filled out. Some attorneys will have you provide that information further along in the process. In any event, bring with you any foreclosure notices, lawsuits or other legal documents.

And try to leave your anxiety at home. Most consumer bankruptcy attorneys are empathetic caring individuals. We would find a more lucrative way to make a living if we didn’t care about our clients. So, remember when you make that first appointment, that you have taken the first step to resolving the financial burdens that are haunting you.

Douglas Jacobs is a California bankruptcy attorney and partner in the Chico law firm of Jacobs, Anderson, Potter & Chaplin. Since 1988, Mr. Jacobs has taught Constitutional law and Debtor-Creditor/Bankruptcy law at the Cal Northern School of Law. He has served as Dean of Students since 1994. He is a frequent lecturer on the subject of consumer bankruptcy law, and has spoken at both state and national levels.